ChatGPT
Claude
Perplexity
Future Generali Super Saver Plan
Future Generali Super Saver Plan is a one-of-a-kind health insurance plan with two plan variants that offer an 80% premium discount. If pol…
- Modern treatment cover
- Maternity covered
- Domiciliary treatment cover
Future Generali Health Insurance
Future Generali Health PowHer
This female-centric plan safeguards women against external, internal, ...Read More
Up to 6 Cr
Sum insured
1
No. of plans
150+
Pan India presence
95.5%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,699 reviews
🏥 10,000+ hospitals
📊 1.96 solvency ratio
✅ 95.5% claim settlement
About Future Generali Health PowHer
A quick read on what this Future Generali Health Insurance plan covers and why it might be a fit for you.
Don't be just another number: Embrace the power of Health PowHER!
Health PowHER is more than just an ordinary health insurance plan. It is specially curated after thoughtfully analyzing health issues in women, covering more than standard in-patient and out-patient hospitalizations, pre and post-hospitalizations, ICU, room rent charges, daycare procedures, and health check-ups.
This female-centric plan safeguards women against all kinds of external, internal, physical, and hormonal imbalances. Major features include preventive screenings, wellness programs, mental wellness support, menstrual care, nutritional advice, and specialized maternity (pre and post-phases) covers.
This policy encourages women to own their healthcare requirements rather than fitting into a family policy taken by a father, husband, or children.
Below, we discuss the eligibility criteria, benefits, coverage specifications, claim procedures, and much more about the Future Generali Health PowHER plan.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Child: Day 1 - 25 Years, Adult: 18 - 65 Years
Plan type
Women Health Insurance
Sum insured options
₹5 L, ₹10 L, ₹15 L, ₹20 L, ₹50 L, ₹75 L, ₹1 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Wellness benefits
- Critical illness cover
- Women-related cancer cover
- Temporary domestic help
- Infertility expenses
Cons
- Change of gender treatments
- Hazardous or adventure sports
- Non-medical expenses
- Breach of law
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Covered
- New-born baby cover Covered
- IVF treatment Covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Covered
Conditions & global
- Co-payment Covered
- Sub-limits Covered
- Compassionate travel Not covered
- Global coverage Not covered
Major Highlights of Health PowHER
This health insurance offers significant benefits for both women and men:
-
Family Coverage
This plan offers five key benefits for every family member:
-
Hospitalization Expenses
Covers in-patient, pre and post-hospitalizations, daycare procedures, OPD costs, room rent, and ICU charges.
-
Surgical Costs
Covers treatment costs for LASIK, cataract surgery for both eyes, cosmetic/plastic surgery, and bariatric surgery.
-
Ambulance Cover
Provides emergency road and air ambulance services.
-
Critical Illness Cover
Safeguards policyholders and their loved ones against financial crises due to critical illnesses, allowing them to focus on recovery.
-
Accidental Death Benefit
Covers accidental death, and accidental total and partial disabilities financially and for healthcare needs.
-
-
Maternity Benefits for 'HER' and Her 'Partner'
This section highlights key maternity-related benefits:
-
Newborn Baby Cover
Covers childbirth costs for newborns, vaccination charges, and medically necessary treatment for defects in newborns.
-
Stem Cell Storage Costs
Provides advance support for children's future health by covering stem cell storage.
-
Coverage for Infertility
Covers treatments like IVF, ZIFT, GIFT, and ICSI pronuclear stage transfer to assist in parenthood.
-
-
Specially Curated Women-Only Cover
This section details five key benefits exclusive to Health PowHER:
-
All-Round Maternity Cover
Female policyholders receive maternity benefits for pregnancy care, delivery expenses, nursing, antenatal expenses, miscarriage, and medically necessary termination of pregnancy.
-
Cancer Care Booster
Covers cancer treatment expenses specifically for women, including cervical, breast, vulva, uterus, and other major cancers.
-
Voluntary Sterilization
Provides coverage for women who choose to undergo voluntary sterilization.
-
Domiciliary Healthcare
Women-insured members are eligible for temporary home care, nursing expenses, and senior citizen's care.
-
Puberty and Menopause Disorders Cover
Covers treatment for common hormonal disorders related to menopause and puberty in females.
-
Future Generali Health Insurance Network Hospital List
Future Generali Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Future Generali Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Direct or indirect injury or illness caused by war, warlike situations, foreign enemies, or invasion.
- Gender change treatments.
- Adventure sports or risky activities.
- Treatment of drug abuse, alcoholism, or consequences due to substance consumption.
- Circumcision, unless it is an accidental consequence.
- Hearing aid items, vision/sight correcting spectacles/contact lenses, durable medical equipment.
- Sexually transmitted diseases other than HIV/AIDS.
- Nuclear infection or anomaly.
- Non-medical expenses.
- Rehabilitation and pain management.
- Utero-fetal surgery.
- External congenital anomaly or disease.
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: 1 Day
- Max Entry Age: 65 Years
- Sum Insured: 5 L: 1 Crore
- Waiting Period: 30 Days
Other features & benefits
Benefits of Future Generali Health PowHER Plan
Here are the additional benefits of the Health PowHER plan:
-
Tailor-Made Benefits for Women
Health PowHER provides extended coverage for all family members. However, it offers specific benefits for women policyholders, covering medical expenses related to pregnancy, postpartum care, menopause, women-specific critical illnesses, and more.
-
Holistic Wellness Cover
Exclusive wellness programs, nutritional counseling, and mental health support are designed to promote a healthy and balanced lifestyle for women, encouraging holistic well-being.
-
Mandatory Female Member Inclusion
Male family members can purchase the Future Generali Health PowHER plan for themselves and their families, provided at least one female member is included in the policy.
-
24/7 Customer Support
The insurer provides seamless round-the-clock customer support for all healthcare needs.
-
Value-Added Services
The policy includes consultation expenses for gynecological and psychological consultations, face yoga, network gym services, diet and nutritional sessions, and annual preventive and routine health check-ups.
-
Tax Benefits
Premiums paid towards the Health PowHER insurance policy are eligible for tax benefits under Section 80D of the Income Tax Act 1961.
Future Generali Health PowHER: FAQs
The 5 most-asked questions about Future Generali Health PowHer, answered.
This plan gives women the freedom to choose their health and care first with a cover to support them for medically necessary treatment expenses for diseases including breast cancer treatment, puberty and menopause disorders, cervical cancer, complications of pregnancy and so on. Read about more benefits of this policy above in this article.
Yes, HEALTH POWHER Future Generali health insurance covers LASIK surgery costs.
Anyone within the age bracket of eligibility can buy this policy, either male or female.
You can buy it from the official website of Future Generali Health Insurance. To know the buying process, reach out to our customer care at 1800 4200 269.
It covers maternity care expenses along with newborn baby cover, newborn baby defects, newborn baby vaccination, and health management cover for both the mother and newborn child.
Explore Future Generali Health Insurance
Future Generali Health Premium Calculator
Future Generali Maternity Insurance
Future Generali Claim Settlement Ratio
Future Generali Renewal
Future Generali Customer Service
Health Insurance Articles
Is a Fractured Leg Covered by Health Insurance?
How Senior Citizens Can Get Health Insurance Tax Benefits u/s 80D
How Air Pollution Is Silently Causing 10 Health Diseases
Eye Conditions Actually Covered Under Health Insurance in India
Claim Settlement Ratio of Health Insurance Companies 2026.
Health Insurance for Cancer
See More Health Insurance Articles
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
Compare Health Insurance Plans
Select a company and plan for each side to see a detailed side-by-side comparison.
Other Health Insurance Companies
Share your Valuable Feedback
Rated by 63 customers
Was the Information Helpful?
Select Your Rating
We would like to hear from you
Let us know about your experience or any feedback that might help us serve you better in future.
Do you have any thoughts you'd like to share?